Super
Take back control of your super
Why pay your super fund to make investment decisions we help you make for yourself
Built by the next generation
“After building a platform for Aussies to invest on the ASX, we saw over 85% of savings went into diversified ETFs for long-term goals. So, we asked ourselves: why not put ETFs in super?
Next, we found experienced partners to help make it happen. Now it's here!”
- Hayden, Nick and team
How are we different?
No Pearler investment mgmt. fees,
we leave that to the ETFs
Generally, super funds offer portfolios with their own investment management fees. They employ fund managers to predict what's going to perform best long-term. We don't think anyone can predict the future, so instead, we build technology to educate & guide investors to pick their own ETFs. ETFs have their own fees, but you can save by choosing passively managed options.
Simplicity, clarity, control
By choosing your own ETFs, its simple to see what you're invested in, have it match your own values, and align with other investing you do outside of super.
For people born from 1970,
not Boomers...
The challenges of younger Aussies are close to home at Pearler. We built Pearler Super to help them build wealth earlier. We'll be honest, we think there are enough funds out there catering to ultra-high balances and those needing retirement income.
We aim to build specific tools for people closer to retirement - but for now... we aren't open to people born before 1 January 1970.
What you can invest in
No unnecessary layers. Take a look at all the ETFs you can invest in before you even sign up.
Open now,
invest later
You can open an account before you invest, play around and build some trust. We can help you invest when you're ready. And if you don't like us, we'll help you close the account!
Fees and costs in Pearler Super will only start to apply to your Pearler Super account once you have contributed or transferred funds into your account.
This is a fee section
Our best attempt at explaining our fees with no jargon.
Investment Management Fees
0%
Pearler investment management Fees
From 0.035%
ETF investment management Fees
Build a demo portfolio to see ETF fees
Admin & Transaction Fees
0.438%*
Administration fees
0.11%
Brokerage fee per buy/sell
* for portfolios under $10,000 a cash management fee is calculated on a cash balance of $200 at a maximum of 1.5% p.a.
Examples of our fees
Examples of our fees
Annual avg. balance
Cost p.a.
$0
$0
$10k
$49.60
$25k
$115.10
$50k
$224.60
$75k
$334.10
$100k
$443.60
Examples include annual product fees & costs, plus 12 x $500 investments and a minimum cash balance of $200 or 2% p.a. (whichever is greater), except where $0 is chosen, where the cost is nil. ETF fees will depend on your choice.
Stop copping other people's cap gains
Some large or older super funds are pooled funds, which means your assets and tax treatment could be comingled alongside thousands of earners or retirees.
For example, when an asset is sold within the fund and capital gains tax is incurred, the tax liability may be spread across all members, impacting their returns even if they did not sell any assets themselves. This can reduce the amount available for compounding. The tax impact is not always easy to track and is not always explained clearly, making it difficult to compare different fund structures.
Pearler Super keeps your portfolio separate, isolating your super from the actions of other investors. Why not research “tax pooling in super” to continue learning?
Keep track of your wealth in one spot
BEFORE PEARLER
AFTER PEARLER
